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Az Európai Unió bankrendszerének piaci koncentrációja
[Market concentration among the banks in the European Union]

Author

Listed:
  • Tóth, József
  • Zéman, Zoltán

Abstract

A bankpiaci koncentráció a versenyre és a teljes pénzügyi rendszerre gyakorolt hatása miatt önmagában is kockázatokat jelent, ennek mérése és az eredmények feldolgozása a folyamatok pontosabb megértését teszi lehetővé. Cikkünkben az Európai Unió tagországaiban működő bankok piaci koncentrációját számszerűsítjük, a bankok és bankfiókok számának, valamint a mérlegfőösszeg, a saját tőke, a nettó díj- és kamatbevétel adatainak változását elemezve. Megközelítésünkben egy adott tagország a sokaság egy egyede, vizsgálatunk tárgya pedig a tagországokhoz kapcsolódó mennyiségiismérv-értékek koncentrációja. Ezt szem előtt tartva Lorenz-görbe segítségével ábrázoljuk, Gini-index, Herfindahl-Hirchman-index és CR3 mutató segítségével pedig számszerűsítjük az Európai Unió bankpiacának koncentrációját. Megmutatjuk, hogy a mért adatok legalább közepes szintű banki koncentrációra utalnak. Journal of Economic Literature (JEL) kód: G15, G21.

Suggested Citation

  • Tóth, József & Zéman, Zoltán, 2017. "Az Európai Unió bankrendszerének piaci koncentrációja [Market concentration among the banks in the European Union]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(7), pages 852-871.
    • Handle: RePEc:ksa:szemle:1715
    DOI: 10.18414/KSZ.2017.7-8.852
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    References listed on IDEAS

    as
    1. Eckhard Wurzel & Damien Azzopardi, 2015. "Luxembourg - addressing new challenges in a major financial sector," OECD Economics Department Working Papers 1239, OECD Publishing.
    2. Gastón Andrés Giordana & Ingmar Schumacher, 2011. "The Leverage Cycle in Luxembourg?s Banking Sector," BCL working papers 66, Central Bank of Luxembourg.
    3. Bikker, Jacob A. & Haaf, Katharina, 2002. "Competition, concentration and their relationship: An empirical analysis of the banking industry," Journal of Banking & Finance, Elsevier, vol. 26(11), pages 2191-2214, November.
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    More about this item

    JEL classification:

    • G15 - Financial Economics - - General Financial Markets - - - International Financial Markets
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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